McDade Insurance | Houston Independent Insurance Broker

McDade exists to

McDade Insurance Brokerage Group is a Houston independent insurance broker built around the life people have earned. Charles McDade, LUTCF, founded the agency to slow the insurance decision down because family and employers depend on the contract. We compare 50+ top Texas carriers we know well, read the limits, deductibles, exclusions, and endorsements, and help you protect the home, business, payroll, and people counting on you.

50+ top Texas carriers we know well We translate the contract before claim time Advice before pressure

Know Where You Stand

Two real options. One business day.

If the coverage question is in front of you, send the details here. We will help you know where you stand.

Home. Auto. Business. Life. Flood.

The form gives our team enough context to understand the life you have earned and the policy decision that needs a real review.

We read what you send, pressure test the coverage against 50+ top Texas carriers we know well when shopping makes sense, and tell you the clean next step inside one business day.

About 40 percent of the time, we tell clients to keep what they have. That is how you know this is advice, not a quote race.

Home. Auto. Flood. Business.
Current policy or new quote
One business day review path
No broker fees for personal lines

Or call our team directly 281.378.5002

Too many families are told to compare insurance like fruit. Apples to apples. Price to price. But the truth is, the contract is what shows up when life gets hard.

We have seen families unknowingly give up coverage, raise deductibles beyond what they could comfortably afford, or trust a policy that looked fine until the claim came. That is why we slow the decision down. Not to scare people. Not to sell harder. We protect the house, the business, the employees, the payroll, and the people counting on you to get it right.

At McDade, the goal is not to win the quote. The goal is to help you make the right decision before something goes wrong.

Charles McDade, LUTCF

The McDade Worldview

Texas cannot control the loss. Texas can control the preparation.

The life you have earned deserves more than a price check. The work is the double-check before the loss, the renewal audit before the surprise, and the contract read before the claim. We translate the contract before claim time.

What you cannot control

The storm
The freeze
The hail
The wind
The fire
The flood
The cyber attack
The carrier rate increase

What you can double-check

The contract read
The limit audit
The exclusion review
The carrier selection
The deductible structure
The broker relationship
The renewal discipline
The claim documentation

The McDade Team

People first. Then process.

Google can read schema. Clients read people. The McDade homepage should show the licensed team behind the advice.

Charles McDade, LUTCF

Founder and Insurance Broker

Charles founded McDade in June 2020 and sets the personal lines advisory standard, with Texas license 2204068 and a documented Houston cyber family lineage through Naknan Inc.

Meet the Team

Dallas Downey, CLCS

Commercial Lines Specialist

Dallas leads commercial lines and workers compensation review work where contracts, class codes, certificates, and business risk need a specialist lens.

Meet the Team

Adolph Ojeda

Spanish-Speaking Broker

Adolph supports English and Spanish-speaking clients with coverage guidance, policy review, and declarations page submission help, with Texas license 1773004.

Talk to a Broker

LaShawn Nicholson

Personal Lines Account Manager

LaShawn helps existing clients route service requests, policy changes, claim documentation needs, certificates, and account support to the right workflow.

Meet the Team

Cyber risk is not new to the McDade family. It is part of the Houston story Charles grew up around.

Family Legacy

A Houston cyber lineage. Handled with restraint.

Charles McDade is the grandson of the late Douglas Finley, founder of Naknan Inc., a Houston Clear Lake and NASA corridor endpoint security and IT services firm founded in 1997.

Naknan Inc. was an 8(a) certified Small Disadvantaged Business and woman-owned by Noklek Finley. It is separate from McDade Insurance. The connection matters because it gives Charles a real family context for cyber risk, endpoint security, business continuity, and the cost of learning after the loss.

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Advisory First

Local broker. National bench. Texas discipline.

The point is not to move every policy. The point is to know what the contract says, what the alternatives look like, and what decision fits the family or business.

Independent access

McDade works with 50+ top Texas carriers we know well through a national bench and a local Texas advisory lens.

Honest review

About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family.

No personal lines broker fees

For personal lines clients, the McDade review is advisory and the brokerage does not charge a broker fee.

Contract-to-contracts standard

A household or business rarely has one policy. McDade reads the portfolio so the contracts make sense together.

Coverage Questions

Common questions before the contract review.

What does McDade Insurance Brokerage Group do?+

McDade Insurance Brokerage Group is an independent Texas insurance brokerage. We review home, auto, flood, life, and business insurance with 50+ top Texas carriers we know well, then explain what the contract does before claim time.

How is McDade different from a captive insurance agent?+

A captive agent represents one carrier. McDade is independent, so our team can compare carrier appetite, pricing, coverage language, deductibles, endorsements, and claim-time tradeoffs across a broader Texas bench.

Does McDade charge broker fees on personal lines?+

McDade does not charge broker fees for personal lines clients. The review is advisory, the audit is free, and the carrier compensates the brokerage from premium paid to the carrier when a policy is placed.

Why would McDade tell me to stay with my current carrier?+

About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. The point is the right decision, not a forced move.

Who helps with home and auto policy questions?+

Charles McDade, LUTCF, leads the personal lines advisory standard, Adolph Ojeda supports English and Spanish-speaking clients, and LaShawn Nicholson helps route service requests, policy changes, claim documentation needs, and account support.

Who helps with commercial insurance questions?+

Dallas Downey, CLCS, leads commercial lines and workers compensation review work for McDade. Commercial questions involving contracts, class codes, certificates, business auto, cyber, builders risk, or surety should route through the commercial review path.

What parts of Texas does McDade serve?+

McDade serves the Houston metropolitan area including Houston, Spring, Klein, Tomball, Cypress, The Woodlands, Conroe, Humble, Katy, and Bridgeland, with statewide Texas carrier access through Premier Group Insurance.

Does McDade work with Spanish-speaking clients?+

Yes. Adolph Ojeda is a Spanish-speaking insurance broker at McDade and supports clients who want coverage guidance, policy review, and declarations page submission help in Spanish.

What credentials does the McDade team hold?+

Charles McDade holds the LUTCF designation and Texas insurance license 2204068. Dallas Downey holds the CLCS designation. Adolph Ojeda holds Texas insurance license 1773004. McDade Insurance Brokerage Group holds Texas agency license 2539471.

How do I schedule a McDade coverage review?+

Use Talk to a Broker for a phone or video consultation, Compare My Coverage for a policy review, Submit Your Home Renewal for a home renewal audit, Submit Your Auto Renewal for an auto renewal audit, or Start a Commercial Review for a business insurance question.

Read the policy before the policy has to answer.

We translate the contract before claim time. Local broker. National bench. Texas License 2539471.

Talk to a Broker Compare My Coverage

General insurance education only. Policy language, underwriting eligibility, carrier appetite, and the final contract govern at claim time.

Important Notice

McDade Insurance Brokerage Group, LLC is a Texas-licensed independent insurance brokerage, Texas License 2539471, located at 20008 Champion Forest Drive, Suite 1103, Spring, TX 77379. Coverage availability, pricing, underwriting eligibility, and policy terms depend on the carrier writing the contract, individual underwriting, and Texas insurance regulations. Quotes are not bound until accepted in writing by the issuing carrier. Policy contract language always controls at claim time. This page is general insurance education and should not be treated as legal or financial advice.

Built around the life you've Earned.

Start with the coverage. Then read the contract.

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